Account Information Services (AIS) are services that allow licensed providers to access a customer’s bank account data—such as balances and transaction history—via open banking APIs, with the customer’s explicit consent. The provider is called an AISP (Account Information Service Provider).

AIS does not move money; it only reads data. Typical use cases include account aggregation (showing multiple accounts in one app), income and affordability checks for lending, budgeting and categorization, and business accounting integrations. Under PSD2 and the UK Open Banking Standard, banks must offer dedicated APIs for licensed AISPs.

API aggregators often provide AIS (and sometimes PIS) through one integration, so developers can connect to many banks without building to each bank separately. The Open Banking Tracker lists aggregators and their AIS coverage by country.